I'm going to respectfully disagree, in part. Their reserve funds were depleted due to the substantial number of banks that failed. Page 118 of the 2009 Annual Report clearly states that they had a reserve balance of -$20.9 Billion.
That's broke as a joke.
You are correct that they did a 3-year pre-pay to rebuild the fund after the wipe out of 2008/2009, and rolling partially into 2010; however, they also substantially increased their holdings of Treasury notes.
Let's be honest, though. It's all turned into monopoly money at this point. The only thing keeping this sinking ship afloat is the universal game of "pretend" taking place across the globe.
From FDIC sourves in Wikipedia:
“The DIF’s reserves are not the only cash resources available to the FDIC: in addition to the $18 billion in the DIF as of June, 2010;[32] the FDIC has $19 billion of cash and U.S. Treasury securities held as of June, 2010[32] and has the ability to borrow up to $500 billion from the Treasury. The FDIC can also demand special assessments from banks as it did in the second quarter of 2009.[33][34]”
This looks like as of June 2010, they had $37 billion, even after bailing out so many banks that the available funds (without considering any lending facilities) had been as low as $13 billion at its all-time lowest in March 2009.
So, it shows things are improving, so what exactly is the problem again?